You Can Be the Banker!
Posted by Entrust Los Angeles on Tue, May 04, 2010  

Many investors don’t know that you can use your IRA funds to create loans to other borrowers and earn solid returns in your IRA. With hard money private lending from your self-directed IRA, you can lend money to other individuals or entities, as long as they are not a disqualified person. While this means that you can not loan the money to yourself or anyone directly related to you, your self-directed IRA can loan the money to anyone else. You choose the borrower and the terms, and Entrust can help you do the rest.

The loan terms are whatever the lender (IRA) and the borrower mutually agree upon, within the legal limits. You will want to be familiar with the usury limits in your state, as they vary from state to state. These loans can be secured by real estate or equipment, or you can make an unsecured loan from your IRA.

No IRA is too small to make a hard money loan. Often, several family members combine their self-directed IRAs to make a hard money loan, with each IRA owning an “un-divided” interest in the loan. There are no banks involved, lower costs, no wait, no hassles, and often times, greater returns.
 

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